Hendry County, FL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 26.54, -81.15.
Assembled 2026-10-19. Read the brief.
- 62nd pct · 1,141st of 3,063 US counties · median $230,451
- 33rd pct · 45th of 67 Florida counties · median $306,116
- 5th pct · 2,907th of 3,062 US counties · median +2.9%
- 1st pct · 66th of 67 Florida counties · median -0.3%
- US counties: not published this period
- Florida counties: not published this period
- 61st pct · 1,237th of 3,221 US counties · median 8,232
- 34th pct · 44th of 67 Florida counties · median 43,443
- 68th pct · 1,012th of 3,221 US counties · median $1,039
- 56th pct · 30th of 67 Florida counties · median $1,084
- 57th pct · 1,306th of 3,063 US counties · median 4.2
- 25th pct · 50th of 67 Florida counties · median 5.4
Typical home value divided by the average annual wage of one covered job.
A percentile here is a min-max scaling of average rank: the smallest published value in the cohort is 0 and the largest is 100, and tied values share the average of the ranks they span. It is not the share of entities below the value, so 0 means smallest, not none below. Entities that did not publish the metric are outside the cohort entirely and are counted in neither the rank nor its denominator.
Home values #
Typical home $270,219 (Sep 2026), -4.1% over one year, +30.1% over five
- 62nd pct · 1,141st of 3,063 US counties · median $230,451
- 33rd pct · 45th of 67 Florida counties · median $306,116
| Item | Value | Distance |
|---|---|---|
| Hendry County, FL | $270,219 · -4.1% 1-yr |
Zillow Home Value Index (ZHVI), typical value of homes in the 35th to 65th percentile, smoothed and seasonally adjusted; a model estimate of value, not a sale price. Data through Zillow Research.
Rents #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- Florida counties: not published this period
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
What the typical home costs to carry #
Principal and interest of $1,497 a month on $270,219 at 7.40%, against an average weekly wage worth $4,927 a month: 30.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $270,219 × 80% = $216,175, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,497/mo principal and interest
- wage share = payment / (avg weekly wage $1,137 × 52 / 12 = $4,927) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $270,219 / ($1,137 × 52) = 4.6
The wage is one covered job’s average, not a household’s income, so this is the share of a single paycheque and not a mortgage underwriting ratio.
Estimate. Principal and interest on the typical home with 20% down over 30 years at this week's Freddie Mac average rate; compared with the average weekly wage of all jobs covered by unemployment insurance in the area (BLS QCEW), which is pay per job, not household income.
Jobs & wages #
13,057 jobs at 1,105 employers (2026 Q1); +0.4% jobs and +12.9% average weekly wage over the year
- 61st pct · 1,237th of 3,221 US counties · median 8,232
- 34th pct · 44th of 67 Florida counties · median 43,443
| Item | Value | Distance |
|---|---|---|
| Hendry County, FL | 13,057 jobs · $1,137/wk · +0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,811 | $646 | 1.42 | +1.0% |
| Construction | 1,719 | $1,256 | 2.51 | +10.9% |
| Accommodation and food services | 1,111 | $502 | 0.95 | +6.6% |
| Health care and social assistance | 729 | $824 | 0.37 | +2.8% |
| Professional and technical services | 676 | $1,275 | 0.75 | -4.4% |
| Wholesale trade | 414 | $2,384 | 0.83 | +59.2% |
| Manufacturing | 375 | $1,041 | 0.36 | -12.8% |
| Finance and insurance | 203 | $1,224 | 0.38 | +0.5% |
| Other services | 182 | $760 | 0.47 | +0.0% |
| Transportation and warehousing | 112 | $963 | 0.20 | -36.4% |
| Educational services | 102 | $803 | 0.36 | +2.0% |
| Real estate and rental | 93 | $1,006 | 0.46 | +22.4% |
BLS Quarterly Census of Employment and Wages, all ownerships, total covered employment in the quarter's third month; over-the-year changes as published. Suppressed cells stay blank.
Water #
Banks & federal dollars #
$685.8 m in deposits at 5 offices of 3 banks (SOD June 2026); HHI 5,180, highly concentrated. $210.1 m federal obligations in FY2026 (direct payments $194.8 m, grants $13.5 m), $16,090 per covered job
| Item | Value | Distance |
|---|---|---|
| First Bank | $469.1 m · 68.4% share · 3 offices | |
| Seacoast National Bank | $113.2 m · 16.5% share · 1 office | |
| Pinnacle Bank | $103.5 m · 15.1% share · 1 office | |
| Hendry, FL | $210.1 m FY2026 · $16,090/job | |
| MULTIPLE RECIPIENTS | $181.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Bank | $469,131,000 | 68.4% | 3 |
| Seacoast National Bank | $113,164,000 | 16.5% | 1 |
| Pinnacle Bank | $103,493,000 | 15.1% | 1 |
Deposit concentration is 5,180 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 68.4² + 16.5² + 15.1² = 5,180
FDIC Summary of Deposits: deposits at every insured office as of June 30, annual; HHI is the sum of squared county deposit shares (DOJ 1995 bank merger screen: 1000 / 1800). USAspending: obligations by place of performance for the latest complete federal fiscal year (Oct 1 to Sep 30), what agencies committed, not what they paid out; recipients are legal entities. Per-job divides obligations by BLS QCEW covered employment.
Federal obligations #
USAspending place-of-performance obligations for FY2026, by awarding agency.
| Awarding agency | Obligations |
|---|---|
| Social Security Administration | $159,216,050 |
| Department of Veterans Affairs | $22,129,614 |
| Department of Transportation | $12,567,032 |
| Federal Communications Commission | $6,065,674 |
| Department of Agriculture | $4,074,616 |
| Department of Housing and Urban Development | $2,932,502 |
| Department of the Interior | $1,802,606 |
| Department of Justice | $625,000 |
| Railroad Retirement Board | $326,518 |
| Environmental Protection Agency | $295,000 |
| Department of Health and Human Services | $153,486 |
| Small Business Administration | $0 |
That is $16,090 per covered job, against 13,057 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $210.1 m / 13,057 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,090
USAspending obligations are recorded where the work is performed, so a prime award performed here is counted here even when the recipient is headquartered elsewhere. Recipients are legal entities, never people.
National context, not this county #
These are United States, single-gauge, single-state and port series. None of them is keyed to this county.
| Series | Latest | As of | Change |
|---|---|---|---|
| Mississippi River at Memphis, stage · ft | not published | not published | |
| Mississippi River at St. Louis, stage · ft | not published | not published | |
| Ohio River at Louisville, stage · ft | 17.95 | 2026-10-18 | -2.6% |
| Missouri River at St. Joseph, stage · ft | not published | not published | |
| Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s | 5,170.00 | 2026-02-05 | -25.3% |
| Texas reservoirs, statewide percent full · % | 73.84 | 2026-10-19 | not published |
| Laredo truck crossings, monthly · trucks | 258,700.00 | 2026-08-01 | -0.4% |
| Los Angeles + Long Beach container volume, annual · TEU | 10,513,167.00 | 2023-01-01 | -13.5% |
| Containerships waiting for a berth, all US ports · ships | 7.00 | 2026-10-13 | +133.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| Housing starts, annual rate · thousands of units | 1,275.00 | 2026-08-01 | -2.6% |
| Building permits, annual rate · thousands of units | 1,403.00 | 2026-08-01 | -2.1% |
| Case-Shiller US home price index · index, Jan 2000 = 100 | 337.31 | 2026-07-01 | +0.1% |
| Unemployment rate · % | 4.20 | 2026-09-01 | +2.4% |
| US goods and services trade balance, monthly · $ millions | -105,572.00 | 2026-08-01 | -13.7% |
| Retail sales excluding food services, monthly · $ millions | 652,115.00 | 2026-09-01 | +0.7% |
The indicator registry has no county-keyed series and no geographic selection: every entry is national, a named gauge, a single state or a port. They are here as the backdrop the county's own numbers move against, and they are never this county's readings.
What changed #
Hendry County, FL: 9 findings, 2 at a watch level and 7 noted
watchHendry County, FL's typical home value is -4.1% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-09.Show the arithmetic
- test: home.yoyPct = -4.1268640989242895 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchHendry County, FL's years of wages of 4.6 scores 57 on the 0-to-100 scale across US counties but 26 across Florida counties, a gap of 32 points.
Period 2026-09.Show the arithmetic
- 32 = |57 across US counties - 26 across Florida counties|
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
noteHendry County, FL's average weekly wage was 12.9% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +12.9 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteHendry County, FL's typical home value fell 0.5% from $271,445 in August 2026 to $270,219 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -0.5% = (270218.91956345615 - 271444.854992275) / 271444.854992275 × 100
- 270218.91956345615 = Zillow ZHVI, 2026-09
- 271444.854992275 = Zillow ZHVI, 2026-08
noteHendry County, FL's covered employment was 0.4% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +0.4 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
Read all 9 findings in the full brief
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.